Mobile phone-based identity identification and near-field payment method

Abstract

The invention provides a mobile phone-based identity identification and near-field payment method. The method comprises the following steps of: guaranteeing the identifiability and the unique legality of the mobile phone by checking a mobile station integrated services digital network (MSISDN) information in a communication protocol; establishing a medium database by an application developer, binding a mobile phone card or a mobile phone number to application data, translating sensitive information into a security non-confidential format, and establishing a corresponding relation between the identity of the application data and a mobile phone user; installing corresponding software in the mobile phone, sending an identity authentication request, and carrying out on-line identity authentication by searching binding information of the medium database; and performing the near-field payment and the identity identification based on the identity authentication. By the method, under the condition that hardware of the mobile phone is not changed, the mobile phone card is not replaced, and any identity identification equipment is added to the mobile phone, the mobile phone is bound to a bank card or a gate card is bound to a user identity and a user authority; the method is high in security and convenient to operate; and work and life of people are greatly facilitated.

Description

technical field [0001] The invention relates to the technical fields of wireless communication, mobile phone identification, mobile payment, access control authentication, etc., in particular to a method for completing identification and near-field payment through a mobile phone. Background technique [0002] Existing identity authentication methods generally use additional identification carriers, such as radio frequency identification, IC cards, special information cards, U-shields, U-Keys or USB-keys and other contact or non-contact identification devices, as well as corresponding Identification equipment, such as reading and writing equipment, to realize the identification and near-field payment of cardholders. This scheme of identification and near-field payment has the following disadvantages: (1) It requires special identification equipment and identification carrier, which is complicated to operate, inconvenient to carry, and the identification carrier is easy to los...

AI Technical Summary

Problems solved by technology

This scheme of identification and near-field payment has the following disadvantages: (1) It requires special identification equipment and identification carrier, which is complicated to operate, inconvenient to carry, and the identification carrier is easy to lose; (2) The realization of the identification carrier requires Change the mobile phone hardware or replace the mobile phone card or add specific hardware, and these identification carriers have nothing to do with the actual application functions of the mobile phone, and become a burden on the mobile phone